@Jack Pomerantz, That's like asking which color is better, blue or black?

We made our point that this was an unprecedented black swan situation, we understand what you were facing, but we wanted to see your making effort to come up with the rent.

@David Drew unfortunately in this situation, general consensus is not the way to go. the situation is rather black and white.

We closed on it basically the week covid hit FEB 2020 but managed to stay in the black with long term leases. 

I don't plan on buying anything that does not at least have me in the black from day one, even at a meager return.

You could try Black Hills Federal Credit Union-they're newer to Sioux Falls.  

I would see a "legal mess" stemming from inappropriately choosing a tenant over another (black/white, kids/no kids, gay/straight, the usual bad decisions of fair housing)...treat S-8 folks as a standard tenant really, it's not difficult to get started.What you do need to know is that the S-8 process is SLOW!!!

It is important to set the condition at the start of each lease, with date-stamped photos, in case there is any doubt or dispute.Also, professional cleaners will be able to tell you if they see animal urine (black light) or recommended stain treatments/etc. and it was declined.

It's not always black and white/ blue and red so keep an open mind.

It's 100% black & white.